Housing Affordability Improves Nearly 10% In 2025 As Rates And Incomes Align

January 28, 2026

National Mortgage Professional, Jan. 28, 2026-Eric C. Peck
Housing affordability nationwide strengthened notably through 2025, with consumer house-buying power increasing about 9.8% year-over-year in November, according to the First American Real House Price Index (RHPI). The rise marks one of the most sustained improvements in recent years, and reflects the combined effects of higher incomes and falling mortgage rates.
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